我国个人住房贷款风险原因分析

Analysis of China's Individual Housing Loans Risk

我国个人住房贷款业务自开办以来取得了迅猛发展。但是,由于信用环境等多方面因素的影响,商业银行个人住房贷款业务存在巨大风险。本文从借款人、开发商、宏观层面多个角度对个人住房贷款风险进行了分析。

China＇s Individual housing loans business has made rapid development since inception.However,because of the credit environment and other factors,individual housing loans business of commercial banks has the huge risk.This article,from multiple points of view such as the borrower,developers and macroscopic point,analyzes the housing loan risk.